VERMILLION STATE BANK

VERMILLION, MN | Medium | Est. Aug. 10, 1918, midnight | FDIC #10214 | RSSD #208057 | FDIC
Latest Report: 2025-12-31

VERMILLION STATE BANK is amn medium FDIC-insured commercial bank headquartered in VERMILLION, MN, established in Aug. 10, 1918, midnight. As of 2025-12-31, the bank reported total assets of $931M and total deposits of $809M. Profitability stands at 1.55% ROA and 12.10% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 12.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.12%. FDIC Certificate #10214.

Assets

$931M

Deposits

$809M

Loans

$415M

Equity

$119M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 12.10%
Net Interest Margin (NIM) 3.70%
Yield on Assets 5.79%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.12%
NPA Ratio 0.15%
ACL / Loans 1.54%

Capital & Liquidity

CET1 Ratio 12.65%
Tier 1 Capital 12.65%
Total Capital Ratio 13.28%
Leverage Ratio 12.74%
Loan-to-Deposit 51.30%

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